Federal credit union · NASHVILLE, Georgia · NCUA charter #14011
Berrien Teachers
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $1.3M
- Total assets
- 330
- Members
- 19.3%
- Net-worth ratio
Berrien Teachers scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.3M; members 330; net-worth ratio 19.32%; health rank #3,051 of 4,374; healthier than 28th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,051 of 4,374 health · 2025Q4Berrien Teachers · health 77/100 · $1.3M · 2025Q4
- DELQ 77/100
- ROA 19.3%
- ASSETS 3.18%
- MEM 0.44%
- RANK $1.3M
- PHOTO 330
- BOOK #3,051/4,374
- CHARTER n/a
- NCUSIF 14011
Call Report peers
Berrien Teachers carries $1.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Berrien Teachers vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Berrien Teachers - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14011: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Berrien Teachers vs Under $2M peers
- Loan-to-Share Ratio leads the peer set - 59.97% here, 52.70% peer average (+7.27 pp).
- Largest lag: Net Worth Ratio at 19.32% vs peer 22.93% (-3.61 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Berrien Teachers in Georgia
- Health composite ranks #50 of 74 among scored Georgia credit unions.
- Georgia assets place: #71 of 74.
- Membership ranks #71 of 74 among Georgia CUs with a reported count (330 members).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Berrien Teachers's 5300 filing moved
Berrien Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $1.3M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.05 pp (19.27% → 19.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.1 pts
- Return on Assets 14.2 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.7 pts
Call Report ratios for Berrien Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.32% | -3.61 pp |
| Delinquency Rate | 3.18% | -1.29 pp |
| Return on Assets | 0.44% | +0.22 pp |
| Member Growth | 23.60% | - |
| Loan-to-Share Ratio | 59.97% | +7.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Berrien Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.3M | - |
| 2025Q4 | $1.3M | 330 |
| 2024Q4 | $1.3M | 267 |
| 2023Q4 | $1.3M | 285 |
Credit Union Details
- Charter Number
- 14011
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Georgia
- City
- NASHVILLE
- Data Quarter
- 2025Q4
Branch Location
Berrien Teachers operates a single office in Nashville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Berrien Teachers FCU (Main Office) | Nashville, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Other-state peers near Berrien Teachers
Cross-state asset and health neighbours for Berrien Teachers - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Berrien Teachers ranks #3,051 of 4,374 nationally on financial health and #50 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Flint River Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Flint River Employees
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Berrien Teachers financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Berrien Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,051 of 4,374; by total assets it ranks #4,197 of 4,374 nationally (same basis as /rankings/largest); and #71 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.32% net worth ratio and 3.18% delinquency rate are the key drivers.
How does Berrien Teachers compare to other credit unions?
On PlainCU's health composite, Berrien Teachers lands at 77/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Berrien Teachers?
Berrien Teachers is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Berrien Teachers directly to confirm eligibility.
Is my money safe at Berrien Teachers?
Federal credit unions like Berrien Teachers are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Berrien Teachers's net worth ratio of 19.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Berrien Teachers offer compared to banks?
Credit unions like Berrien Teachers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Berrien Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.